Pet Insurance and Luxating Patella Surgery?

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Pet Insurance and Luxating Patella Surgery?

This is a discussion on Pet Insurance and Luxating Patella Surgery? within the Dog Health forums, part of the Keeping and Caring for Dogs category; Delilah has luxating patellas in both of her legs and one is getting progressively worse. She's going to need surgery at some point. I've been ...

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Old 11-06-2016, 03:10 PM
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Pet Insurance and Luxating Patella Surgery?

Delilah has luxating patellas in both of her legs and one is getting progressively worse. She's going to need surgery at some point. I've been researching online and it looks like surgery ranges from around $1000 to $5000, and with both legs I'm guessing it's going to be in the higher end of that range.

I don't have pet insurance but I'm wondering if it would cover something like that? I don't know anything about the different insurance companies so I don't know which ones would be better than others. Has anyone had surgery for luxating patellas done on their dog and was insurance significantly helpful?
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Old 11-06-2016, 05:14 PM
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I think it varies from insurance company to insurance company. Most, or many at least will exclude pre-existing conditions, and genetic defects. Check with several insurance companies, to be sure of who covers what.
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Old 11-06-2016, 07:52 PM
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If it's documented at the vet that she has luxatting Patella I don't think that many insurance companies will cover the surgery for it. What I'd do is call around to the different companies and see which ones cover preexisting medical conditions, and the research the ones that cover them and see which is the best ones to go with.

I'm sorry to hear that Delilah's knees are doing so bad. Have you tried supplements, and exercise to build up her thighs to help stabilize her knees? Does she have steps, and or ramps to get on and off the furniture?
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Old 11-06-2016, 09:04 PM
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If it's documented at the vet that she has luxatting Patella I don't think that many insurance companies will cover the surgery for it. What I'd do is call around to the different companies and see which ones cover preexisting medical conditions, and the research the ones that cover them and see which is the best ones to go with.

I'm sorry to hear that Delilah's knees are doing so bad. Have you tried supplements, and exercise to build up her thighs to help stabilize her knees? Does she have steps, and or ramps to get on and off the furniture?
We've been to three vets and they've all at least mentioned the luxating patellas, but as far as I know none of them have "documented" it as in writing it in a report or invoice or anything.

She's on Pet Naturals of Vermont Hip and Joint supplements. They're a sister company to Vetriscience and essentially use the same formulas.

We do a lot of exercise in terms of hiking and walks but do you know of any specific activities that will help? About a month ago she couldn't even finish the walk around the neighborhood. She usually hops on three legs during walks but that day she started limping instead of hopping and then completely stopped and started shaking and wouldn't move. I had to carry her home



I've looked at a few plans- Nationwide, ASPCA, and another I can't remember the name but they cover congenital/hereditary conditions. The ASPCA one seemed pretty good but it said this:

"No pet insurance provider covers pre-existing conditions which are conditions that occur before coverage begins or during a waiting period."

So I'm guessing no one will help cover her surgery

On the bright side, it would cover "hereditary conditions" so maybe it could be applied to that? And it said "behavioral issues" too so maybe it would cover training and fluoxetine. Might be worth it even if it doesn't cover the surgery...
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Old 11-06-2016, 09:23 PM
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We've been to three vets and they've all at least mentioned the luxating patellas, but as far as I know none of them have "documented" it as in writing it in a report or invoice or anything.
If I were you, I'd call her vet(s) and ask them for a copy of her medical records WITH vet's notes--that's what you'll need to submit for insurance, and what the company will use to determine what they'll consider a pre-existing condition. If there's nothing noted in her records about luxating patellas, or the possibility of having luxating patellas, you may be in the clear. If there's any mention of it, or symptoms that could be tied to it, then unfortunately it will likely be deemed a pre-existing condition.
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Old 11-06-2016, 11:49 PM
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Originally Posted by revolutionrocknroll View Post
We've been to three vets and they've all at least mentioned the luxating patellas, but as far as I know none of them have "documented" it as in writing it in a report or invoice or anything.

She's on Pet Naturals of Vermont Hip and Joint supplements. They're a sister company to Vetriscience and essentially use the same formulas.

We do a lot of exercise in terms of hiking and walks but do you know of any specific activities that will help? About a month ago she couldn't even finish the walk around the neighborhood. She usually hops on three legs during walks but that day she started limping instead of hopping and then completely stopped and started shaking and wouldn't move. I had to carry her home



I've looked at a few plans- Nationwide, ASPCA, and another I can't remember the name but they cover congenital/hereditary conditions. The ASPCA one seemed pretty good but it said this:

"No pet insurance provider covers pre-existing conditions which are conditions that occur before coverage begins or during a waiting period."

So I'm guessing no one will help cover her surgery

On the bright side, it would cover "hereditary conditions" so maybe it could be applied to that? And it said "behavioral issues" too so maybe it would cover training and fluoxetine. Might be worth it even if it doesn't cover the surgery...
I'm sorry to hear that she's gotten that lame Zody's also has luxating patella in both knees, one of them is grade 4 and from what my vet said the kneecap is permanently out of place, the other knee slips in and out of place very easily. I've only seen his knee completely lock up once, and it scared the heck out of me Normally if it acts up he limps and for awhile it was pretty bad.

The supplement I ended up using for him was Cytel-M, as far as I could tell it seemed to help, but to be truthful that could have just been wishful imaginings on my part. Whatever the case the reviews on it are overall good, and it's used to strengthen joints in both animals and humans. Chewy has the best price on it https://www.chewy.com/response-produ...ular/dp/110234 although Amazon has many more reviews.

Zody and I mainly walk, and go up and down slight inclines, run up and down his steps to the couch, and he uses his ramp to get on and off my bed multiple times a day. When playing with him I play things like tug-o-war, and "wrestling", both of which make him use those back leg muscles. Here's an article that describes exercises y'all can try, it also has tips on diet and supplements that help with joint health, Treatment Options For Your Dog's Luxating Patella - Dogs Naturally Magazine

I don't know if Delilah is at all over weight, but Zody was by almost 2 pounds, since I got the weight off of him it's made a huge difference.
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Old 11-08-2016, 01:05 AM
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Either way, just about all insurance companies, in my experience, will not cover a congenital defect such as luxating patellas... even if you can get around the three vet diagnosis (not as easy as it sounds- insurance companies tend to ask around a lot before shelling out money). If you acquired the insurance while your pet was still a young puppy, that would realistically be the only chance you could argue that this should be a condition that should be covered, and you would still have a fight on your hands. Good luck either way!
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